I was with them until they said there was a discrepancy in the balance and decided to stop making payments. You can't paint outside the lines to make a statement and expect people to cheer you on when you're partially to blame for your situation.
Toolbags.

So they get the home back with 400 credit scores and their same job. 1 yr down the road they want to refi just to find out the value has dropped $220k and they stop paying their payments again. Demand a modification on their loan and get it just to stop making payments again. Let's ask the family if they put the payments they didn't pay in the bank just in case or they went out and bought a new car and had another baby.
I know a tool that did they same thing! Well didn't lose the home, got the MOD done didn't make a payment for 4 months and went out and bought a BMW just cause he had extra money to spend.